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0% APR on Balance Transfer and No Annual Fee Credit Cards

If you don't want to pay an annual fee for your 0% APR balance transfer credit card, you're in luck. Many credit cards with no annual fee have long promotional periods for 0% APR on balance transfers.

Cards that have an annual fee are usually travel rewards cards that offer big sign-on bonuses and high value points-earning. If your goal is simply to transfer your credit card balances and pay them off quickly, there is no reason to pay an annual fee. There are also cards that offer rewards along with no annual fee.

Take a look at these offers and choose the no-fee credit card with a 0% APR on balance transfer that's right for you. Apply today - the sooner you transfer your balance, the sooner you start saving.

See also 0% Balance Transfer offers with:

Required Credit History: Excellent/Good
Best Credit Cards from
Intro APR
on Bal. Tr.
Fee on
Bal. Tr.
Intro APR
on Purch.
0% (up to 21 months)
up to 3%
0% (up to 18 months)
Save up to:  $848  with this card
Show card description
  • Transfer and pay off your debt at 0% Intro APR on Balance Transfers for up to 21 months; ongoing variable APR applies after that.
  • Earn up to 5% cash back or up to 2 point rewards on all purchases.
  • $0 liability on unauthorized purchases. No annual fee.
See More Card Details


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Balance Transfer: a Few Things to Consider

Paying off your balance faster by transferring it to a 0% interest credit card with no annual fee saves you money and means no extra fees to worry about. Just make sure not to lose that great 0% promotional offer or incur other penalty fees by missing a payment due. These are some other things to keep in mind as the transfer is in progress:

  • Balance transfers do not go through instantly. It may take about four weeks for the payment to post, during which time you need to continue making payments on your card. If you do not, you will still incur a late fee on the credit card you are transferring the balance from.
  • Once the balance transfer posts on the new card, set up automatic payments so you never miss a payment due date. Making a late payment can often mean losing your introductory 0% APR on the new card you've just transferred your balance to.

Transferring your balance to a no annual fee credit card with a 0% APR introductory offer will save you money on fees. Just be careful to keep your cardholder agreement, and soon you will see your balance begin to shrink as your payments get applied to your debt and not to the interest charges you were paying each month.